Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$297,659
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 73How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

2803 SPENCER DR

STERLING, IL 61081
0
Baths
0.67 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$298K
$218K low$377K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,691 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$85,436 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,087
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$80,349
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$80,426
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$256,308

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.36
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
72
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWHITESIDE
Lot (acres)The size of the land the home sits on, from county records.0.67
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Sterling High SchoolC+
High · Grades 9–12 · 2.5 mi
M
Challand Middle SchoolC-
Middle · Grades 6–8 · 2.6 mi
E
Franklin Elementary School
Elementary · Grades PK–2 · 2.8 mi

District: Sterling Community Unit District 5

Neighborhood · ZIP 61081These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.21,065
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.171 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,565
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,958
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2803 Spencer Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 93% of homes in Whiteside County
  • Has a bigger lot than 81% of homes in Sterling 61081

What homes are worth in Sterling 61081

Each bar is how many homes fall in that price range. The marker is this home.

This home
$45K$453K

This home is worth more than 90% of homes in Sterling 61081.

How it measures up in Sterling 61081

The dot is this home. The mark in the middle is the typical home in Sterling 61081.

Estimated value$297,659
CheaperTypical $135,320Pricier

Pricier than 90% of homes nearby

Lot size0.67 ac
SmallerTypical 0.22 acBigger

Bigger than 81% of homes nearby

How 2803 Spencer Dr ranks against every home in each area.
MeasureThis homeSterling 61081Whiteside County
Estimated valuepricier than$297,65990% of homes93% of homes
Lot sizebigger than0.67 ac81% of homes77% of homes

About 2803 Spencer Dr

How much is 2803 Spencer Dr, Sterling, IL worth?

The TopHap Estimate for 2803 Spencer Dr, Sterling, IL is $297,659 as of Aug 30, 2026. The likely range is $218,366 to $376,952. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2803 Spencer Dr, Sterling, IL last sell?

2803 Spencer Dr, Sterling, IL last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 2803 Spencer Dr, Sterling, IL?

2803 Spencer Dr, Sterling, IL is assigned to Sterling High School (high), rated C+; Challand Middle School (middle), rated C-; Franklin Elementary School (elementary). All sit in Sterling Community Unit District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2803 Spencer Dr, Sterling, IL compare to other homes in Sterling 61081?

Among the 7,725 homes in Sterling 61081, it is worth more than 90% of them ($297,659 against a typical $135,320) and its lot is bigger than 81% of them (0.67 ac against a typical 0.22 ac). Measured against all of Whiteside County, it is worth more than 93% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2803 Spencer Dr, Sterling, IL?

The 2025 property tax bill for 2803 Spencer Dr, Sterling, IL was $5,691. The county assessed it at $85,436.

More homes on Spencer Dr

Closest homes

More homes in Sterling 61081

Assigned schools

Explore the area

See this home in context

Open 2803 Spencer Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map